Pretax funds can be used for eligible medical, dependent expenses
A flexible spending account, or FSA, allows employees to set aside money before taxes to pay for eligible health and dependent care expenses.
By contributing to an FSA, employees can reduce their taxable income while covering out-of-pocket costs such as copays, prescriptions and certain medical supplies.
USPS employees may enroll in an FSA during this year’s open season, which runs from Monday, Nov. 9, through Monday, Dec. 14. FSA enrollment does not carry over into the next benefit year — employees must re-enroll each year to continue using the benefit.
Inspira Financial is the administrator of the Postal Service’s FSA program.
For out-of-pocket expenses, employees may:
• Pay themselves back with FSA funds when they use cash, check or a personal credit card for eligible expenses;
• Pay a provider directly from their FSA account; or
• Use an Inspira debit card.
USPS employees with a 2026 healthcare FSA can carry over up to $680 of unused funds into 2027 if they re-enroll for the 2027 plan year. Unused funds over this limit are forfeited.
The carryover applies to healthcare FSA and limited-expense FSAs.
Dependent care FSAs follow a “use it or lose it” rule so funds cannot be carried over.
More information about FSAs is available on the Flexible Spending Accounts page on the MyHR website. Employees can enroll in an FSA from MyHR or through the employee apps page on LiteBlue.
Employees with questions can call Inspira at 833-419-0305, Monday through Friday from 7 a.m. to 7 p.m. Central, and Saturday from 9 a.m. to 2 p.m. Central.
Additional coverage can be found on Link’s Open Season 2026 page.
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